Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,944

Founded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $150 million in claims since 2005. is recommended by veterinarians across the U.S. Learn more about Pets Best plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

VETERINARIAN: Metairie Small Animal Hospital

POSTED: | BY: Travis

Horrible Coverage with Pets Best

Do not waste your time with this company. I started my new puppy on this insurance at 5 months old and my first (3) claims were denied due to "pre-existing conditions". Each claim took over 1 month to even get an email back which was apologizing for the delay and they all just provided the same rejection response. After trying to file an appeal for the last claim I just received an email saying they are terminating my coverage the following day. Horrible response time, customer service and overall experience with PetsBest.
5

out of 5

VETERINARIAN: Prince Frederick Animal Hospital

POSTED: | BY: Michael or Susan

I will probably gift Pet's Best Insurance for Christmas to my newest grand-dog's family

Without Pet's Best Insurance we would not have been able to afford treatment for our 11 year old mobility service dog--despite the years of dedicated service he has given us. We may have had to make an end of life decision last January when he was diagnosed with a brain tumor and was having seizures. Having insurance allowed for options to evaluate the situation and decide on treatment. Treatment has not been cheap (over $20k to date), but worth it when I see him enjoying life and initiating play with his newest cousin (a 1 year old very healthy lab). Filing claims is very easy and now it takes very little time before I am reimbursed. We went years without ever using the insurance, but it gave me peace of mind knowing that we could handle health issues if they arose.
5

out of 5

VETERINARIAN: Green Valley Animal Hospital

POSTED: | BY: Elaine

Never have a problem

Pets Best has been great for our Zoey. It is not cheap but I have never had a dispute with them or had any kind of problem at all. They live up to the policy contract and I can always get ahold of someone if needed. Claims take minutes to submit. I have checked out other companies and Pets Best is the absolutely best choice form my dog.
5

out of 5

POSTED: | BY: Mark Tracy

Filed a claim

Filed a claim, got paid! That's how it should work.
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1

out of 5

POSTED: | BY: gina

Not very happy with Pets Best coverage

Not very happy with Pets Best coverage. I switched from Nationwide Pet unfortunately due to my employer contract changing. The reimbursement is not even as high and I'm finding charges deemed not covered now when they were with Nationwide. I picked the best policy with PB for reimbursement and still only get about 50% of my payment reimbursed back unlike 80-90% with my old policy. Just sad.
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Monthly Cost

$6 and up, depending on your chosen plan.

Coverage

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.

Deductible

$50 – $1,000 annually.

Age Limits

Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets.

Waiting Period

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

Exclusions

Pre-existing conditions are not covered. Elective and preventive procedures are not covered.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

Pets Best Pet Insurance detail
Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.
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